Living at the fusion of Personal Finance and Marketing, I'm about to talk about both topics from a vantage point that's relatable while providing insights.
Better Balance: Understanding Your Budget + Finding Your Balance With Money
One of the biggest money conversations that I see on social media is budgeting. From the funny to the fuming madness of it - how budgeting makes people feel is interesting, to say the least. My notion that some people need to learn money management while some people need more money to manage along with a small group who is a hybrid of both is often confirmed. With the other “B” word, the brand that it has had over hasn’t been given a new one like cauliflower, but the impact of knowing how the...
Better Balance: Understanding Your Budget + Finding Your Balance With Money
One of the biggest money conversations that I see on social media is budgeting. From the funny to the fuming madness of it - how budgeting makes people feel is interesting, to say the least. My notion that some people need to learn money management while some people need more money to manage along with a small group who is a hybrid of both is often confirmed. With the other “B” word, the brand that it has had over hasn’t been given a new one like cauliflower, but the impact of knowing how the...
Better Balance: Understanding Your Budget + Finding Your Balance With Money
We have a love/hate relationship with the “B” word but that “B” word is critical to how we build our relationship with money. Budgeting is the intersection of accountability - that you have with [bank] accounts and yourself. This article walks through the different types of budgets and some insights on how to find a “better balance”.
The Federal Reserve's Wallet Says There's No Recession, But Personal Wallets Say Different
I’m always intrigued when I see commentary around the notion that we aren’t in a recession or that the GDP looks solid - so the water is fine.
You know when you’re watching the news and they tell you when there’s going to be a high tide or a low tide? You head to the beach when they say a low tide would be, thinking you would be relaxing and max-ing.
Cool.
But when you get there, you notice that the forecast doesn’t match the reality in which you see it when you get to the beach. Which is the...
Best First Credit Cards for No Credit in 2023
Experts Tips on Finding the Best First-Time Credit Cards
Founder of The Brands + Bands Strategy Group
What APR might someone with no credit history expect from their first credit card?
If you’re just starting off building your credit, do expect your APR to be a little higher than you would like, roughly 13–20%, pending on the company and your other factors (income, other debt, etc.). APR is the rate at which the money you are using from the credit or financial institution is to be returned to...
Best Online Life Insurance Companies in October 2023
Expert Advice on Best Online Life Insurance Companies
Founder of The Brands + Bands Strategy Group
What criteria should customers use when comparing different online life insurance companies?
I would be sure that you are purchasing from a platform that has a "lock" at the beginning of the search. Looking for this will allow you to be sure that your information is protected (as much as possible). I would also look to make sure that the company/platform is aligned with national regulations like...
Cheapest Term Life Companies in October 2023
Expert Advice on Cheap Term Life Quotes
Founder of The Brands + Bands Strategy Group
What advice would you give someone looking to get cheaper quotes on term life insurance?
I would tell them not only to look at their budget (affordability) but also what the offerings would be within their life insurance policy. There’s a difference not only in the price of Term vs. Whole life insurance but other elements like coverage/riders and company. Most go for Term due to the cost, but when it comes to...
Is Life Insurance Worth It?
Experts' Tips on the Worth of Life Insurance
Founder of The Brands + Bands Strategy Group
What's the most important factor individuals should consider when determining if life insurance is worth it?
Easily, that would be your family or loved ones. They would be the ones carrying out your final wishes, paying your bills and making sure your arrangements are effortless. Another factor would be how you want them to be taken care of when you transition. From there, you would be able to determine ...
Tackling Disparities in Finance for Black and African Americans
Expert Panel on Black Finances and Addressing Financial Challenges
What are some of the financial barriers that you’ve observed the Black community face?
As a collective community, four in ten black adults are unbanked or underbanked. A strong understanding of finance moves through not only banking but also other key areas like investing, saving and obtaining goals. From seeing how black women have a national day of observance for how less we are paid should speak volumes. The wealth gap taki...
Money + Honey: Women Banking On Themselves
Sup, Hi, Ciao -
We’ve seen the statistics about how revenue and ratios can impact a relationship. From the good warm fuzzies to the breakups (of love and money). Yet, no matter if it’s a podcast episode or just a personal episode, the way money flows can in the long run fuel the beauty in a relationship or f*ck the functionality of one. It’s an interesting thing. Perplexing in a way, but the notion of talking money with your Honey is important now more than ever.
In the US, about 45% of Women...
Taking A Bite: What Does The New Apple Savings Mean
Has the news about Apple Savings taken over your timeline?
No, you will not be entitled to compensation. But you will be entitled to know what the news about Apple Savings means not only about Apple as a company but what we could expect to see when it comes to the banking industry. While it’s just another High Yield Savings Account or HYSA, there’s more to this new product (and how it moves) that I wish more people will pay attention to. I want to give you insight into what this new product c...
Here's Another Prescription For Monopolization - What's Going On In Healthcare
Hey, Hey, Hello, Hi -
Your Data is dollars.
Even though the value of the dollar is weakening, certain areas will be stronger than it was before.
I’ll talk about how in a few scrolls down.
Even before the pandemic, Healthcare has been going through it. But one of the tweets that I shared recently showed my thoughts that I’ve been wonderings about since roughly 2017 about the monopolization of sectors. Healthcare is another one I feel we are watching unfold.
The pandemic showed how a lot of in...
Finding Value During Volatility: Investors Are Shifting
Hi, Hello, Hey Hey -
It’s no shocker that we are seeing the economy moving with a bit more autonomy due to seeing a tug-of-war between interest rates and inflation. While the topic of a recession keeps being halted like some regional bank stocks waiting for shifts in GDP, more and more people are starting to move towards recession prep. People are starting to save more of what they can and invest where they feel they have less risk of a [market] diss. Also adding to that sandwich was the inve...
Shoutout To The Debt: What's Going On With The Debt Ceiling
Hey Hey, Hi, Ello -
I was listening to a song it thought said “Shoutout to the debt”, but it was saying death. Yet, in this instance on this debt ceiling - it seems like Americans aren’t the only ones with a budget problem. Well, it looks like a deal was reached. I added some context toward the end.
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The commentary around the debt ce...
Shine Bright, AI. Could This Next Shiny Object Shine Longer Than Expected
Hi, Hey Hey, Salut.
The scroll and talk of the other AI (get it, Allen Iverson) - Artificial Intelligence continues to cross over into many courts of industries that years ago didn’t see it happening. The lane of Emerging Tech has been building in the background for years before the buzz it has currently. But one of the things I commented about on Twitter a while ago was whether the “shiny object” would wear off or if it would grow into different deep fakes of things to come.
When I speak of ...